A researcher at Stanford University recently helped set the record straight on retirement income.

With help from the Society of Actuaries, he compared the results of 292 retirement income strategies, focusing on two key questions:

When should Social Security benefits begin?

At what rate should other money be spent?

The results were a bit surprising, but conclusive just the same:

The study showed the absolute best way for (most) retirees to withdraw their nest egg money.

They dubbed it the “spend safely in retirement” strategy, and it’s now used to help people figure out if they have enough money to retire.

One of the strongest takeaways: tax-free cash gives you greater control to secure your retirement.

The 76% Stimulus Plan does exactly that.

Tax-free, monthly payments for life (or for a set period of time that you establish).

Did I mention the 76% Stimulus Plan is tax-free?

Consider this.

“[Bob Carlson] is a true financial guru because he has the unique ability to effectively communicate his knowledge with his readers through one of the absolute best newsletters in the country. I continuously recommend Retirement Watch to my clients.”

– David T. Phillips, CEO of Estate Planning Specialists, LLC

While Americans are sorting through the new tax law, and what it means for their finances…

The government is fast on the prowl, devising sneaky new ways to snatch your retirement money.

That’s what makes the 76% Stimulus Plan so timely, and so smart.

Whatever comes out of Washington, D.C. won’t make a bit of difference.

That’s because you’ll be two steps ahead, as you’re about to learn.

In fact, I view the Plan as nothing short of…

A Legal Way to Thwart Uncle Sam’s Ongoing Attack On Your Retirement Savings

I’ve been sounding the alarm for months.

Congress is going after your retirement plans.

Count on it. Reducing your tax benefits is front and center on their agenda.

Fortunately, the new tax law features none of the retirement money-grab proposals they set out with.

Kreps visited a number of Republican congressional offices during the tax reform campaign.

And the message was crystal clear.

There’s a bullseye on your retirement money.

As he recently stated, “retirement tax incentives continue to be an irresistible source of potential revenue for lawmakers.”

Politicians will never admit it, but to them it’s like shooting fish in a barrel.

And they’re squaring up for their first shot.

Congress is likely to be taxing or shutting down some retirement strategies, starting with the Big One:

Reducing or eliminating the pretax benefits of your 401(k) plans.

Insiders are calling it “Rothification,” after the Roth IRA.

Whatever they’re nicknaming it, a move of this magnitude will be devastating to retirees.

There’s no getting around it.

Uncle Sam will wage war on your retirement money by taxing or shutting down a number of retirement strategies…

Except for one — because they won’t be able to touch it:

The 76% Stimulus Plan.

It lets you take matters into your own hands. You generate more income, and get to keep more of your money safe and sound.

And as I mentioned, there’s nothing the government can do to take away the monthly cash flow or lump sum this IRS-approved strategy generates.

The way I see it, there’s only one thing standing in the way of widespread adoption of this retirement income strategy:

Awareness.

Most people don’t know this even exists.

Yet there’s good reason why more than 1 million Americans are using it.

(And why growth estimates in the coming years are as high as 100% to 150%.)

The Plan works.

So let me explain how YOU can get…

Up to 76% MORE than What Social Security Pays: The “Sleep Well at Night” Retirement Strategy

Plain and simple…

With this Plan in hand, you’re able to create a lifetime income stream, completely tax-free.

And – so long as you keep your financial assets in good standing – your money stays with you, tax-free.

Protected by U.S. law.

What’s more, you may never have to settle for low-interest income vehicles like savings accounts and CDs.

You won’t have to worry about volatile dividend-paying investments, either.

I consider it the perfect “sleep well at night” retirement income strategy…

Tax-free cash flow… without the risk of the stock market.

“Thanks for the clear and concise estate and retirement information. Again, my heirs and I have greatly benefited from your vast well of knowledge.”

—Warren W. , San Jose, California

In fact, many who use the Plan do so as a “hedge” against corrections in the stock market.

In other words, if your stocks fall, or your dividend income takes a hit…

The “76% Stimulus Plan” makes up for it… by effectively taking its place.

Think of it as a tax-free “back-up plan” in case your stocks and investments crash.

Here’s an example I like to use:

Suppose there’s a sudden correction in the stock market, like the one we went through recently.

Naturally, you want to avoid selling your investments for less than you paid.

And the last thing you need is an increase in your living expenses, while watching your nest egg take a hit.

Enter the “76% Stimulus Plan.”

By enrolling in the Plan, you can use the new tax-free cash flow to pay for living expenses…

While waiting for your portfolio to recover. Once it does bounce back, you can resume your normal portfolio withdrawals.

This way, you never have to worry about cutting into your retirement nest egg.

Not only that, but using the Plan gives you even greater financial flexibility by deferring withdrawals from your 401(k), IRA or pension plan.

And there’s one other benefit I haven’t even mentioned…

Another Way to Take Control of Your Retirement (Should You Need It)

No one likes being saddled with debt. Especially in retirement.

But if you do carry some debt, the 76% Stimulus Plan has a silver lining:

It actually lets you pay it off faster.

And the reason is quite simple.

Under the Plan, you’ll have more income each month, which means more money to pay down your debt.

And what if you have no debt?

Even better.

You can use your new monthly cash flow anytime, on anything you want.

Have a bucket list? Go ahead and tick off some boxes…

See the Eiffel Tower…

Go on safari in South Africa…

Pick up that cherry-condition ’72 Corvette.

Whatever pleases you.

The cash is yours to spend however you see fit.

So with that in mind…

Here’s How To Get Started… (AND Claim Your Free Hardcover Copy Of My New Rules of Retirement)

My publisher was against this at first.

He already considers my Retirement Watch newsletter the best bargain in the retirement planning industry.

After all, every member gets a full month to check out the service and review all my work (12 years’ worth!) risk-free.

Still, I insisted on going one step further…

By giving away a free hardcover copy of my book, The New Rules of Retirement.

Whether you’re retired, or planning for it, the information and content is simply too important not to have.

For example…

Page 29: I show you how to secure and maximize guaranteed lifetime income

Page 194: How to avoid paying hidden “Stealth Taxes” in the tax law

Page 232: How a small sum can build a large legacy (the “Installment Plan”)

Page 145: The 5 steps for evaluating long-term care insurance

Page 113: How to save big on the little-known Medicare Advantage Plan

Page 40: Social Security: How to never leave money on the table

Page 43: Advanced spousal strategies for extra income & benefits

Those are just a few samples.

Inside the book’s 316 pages you’ll find a treasure trove of actionable ideas you can use for your retirement planning.

I’m not stopping with the free hardcover book, though.

Or the brand-new report on the research I’ve told you about today: The Tax-Free Lifetime Income Stream that Pays Up to 76% MORE than Social Security.

On top of all this, I’ve prepared 5 additional FREE reports you’ll have in your hands the minute you become a Retirement Watch member.

Here they are:

Report #1: Keep Your Nest-Egg Safe from the IRS Money Grab

Report #2: Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid

Report #3: 5 Easy Chair Portfolios to Fund Your Retirement Dreams

Report #4: How to Insure Your Way to a Rock Solid Retirement

Report #5: Your 20 Minute Estate Plan: Building a Lasting Legacy

I call this series my 5-volume Worry Free Retirement Library.

Everything is yours today when you agree to a 30-day test-drive of my monthly advisory, Retirement Watch.

Take a look at some of the other benefits you’ll get as a new member:

Retirement Watch: It’s Like Having a Full-Time Retirement Planner at Your Side

Not to sound glib, but the reality is…

Mass-market retirement advice doesn’t pay off for most Americans.

From books and magazine articles… to retirement seminars and cable TV talking heads…

They may touch on some good points, but they don’t speak to your specific issues.

“I lost a lot of money by not paying attention to Bob. My financial advisor had me deep in the NASDAQ, so I finally fired him. I’m now paying much more attention.”

—Johnny G., Annapolis, Maryland

That’s where Retirement Watch comes in.

I do all the heavy lifting for you. Retirement financial strategies are my passion.

I enjoy studying the facts and teaching others the strategies I develop. I like examining the whole retirement financial picture.

I especially like being an independent “financial guide” for my readers.

I don’t get compensated by selling you investments, and am not associated with a financial services firm selling its own line of products.

What I look for are ideas that carry the lowest sales costs possible.

But those are just a couple of reasons why you should try my Retirement Watch advisory service.

There’s so much more you’ll get as a member, including these exclusive benefits:

You’ll Be Confident and Secure in the Soundness of Your Plan.

The bottom line at Retirement Watch is letting you confidently make decisions and plans about your financial future.

You’ll know that the advice you read in each monthly issue is based on my independent, thorough research. I don’t have a hidden agenda.

You can read my advice with confidence, confidence that I have researched the topic as thoroughly as I can – whether it’s a money-saving tax tip or a new income-generating mutual fund recommendation. Know that I’m giving you the same advice I would give to a close friend or family member.

You Will Pay Lower Taxes, Perhaps Dramatically Lower.

Make no mistake: older Americans are a target for the taxman.

You have to plan and be vigilant to ensure you don’t sneak into a marginal tax bracket of 70% or higher.

Retirement Watch readers know that they’ll learn the latest and best tax reduction strategies. They also know that they’ll be warned of tax traps and tax strategies that don’t work.

The tax law changes frequently and quickly. The new tax law is no exception. You need a source you can rely on to bring the latest changes and strategies to you.

Your Financial Life Will Be Much Simpler.

Your investments and every other aspect of your financial life will be greatly simplified.

I don’t throw out dozens of investment ideas and let the reader decide how to organize them. I put together portfolios of recommendations that people can actually follow.

Whether working on your estate plan, taxes, investments or other aspect of your finances, you’ll be able to cut through the babble, jargon, and numerous options in the financial marketplace to ideas and strategies that will work for you.

And you’ll have time for the things you really want to do in retirement.

You’ll Slash Costs on All Your Financial Services.

One of my goals is to help increase your wealth — steadily and safely. It’s a whole lot easier to meet that goal if part of your money is not going to high commissions or other expenses.

Rather, they rest assured that the IRS will get the minimum possible from their estate, and that the rest will be passed on to their loved ones.

You’ll Know How to Respond to Changes.

Every aspect of retirement will change regularly.

Investments, taxes, estate planning, health care, insurance — all these areas are in the midst of revolutionary changes that will continue.

You can be sure that I’ll be studying these changes — even anticipating them. Then I will bring you strategies and suggestions for improving your retirement plan and helping you to create the retirement you desire.

I’ve brought my members word on all the changes to date, and I’ve kept them ahead of the curve. The record is clear, and we’ll keep building on it.

What You Don’t Know About Retirement Can Hurt You

There’s an old saying, “Failure to plan is planning to fail.” That is especially true regarding retirement planning.

There are good ways and bad ways to estimate the amount of money you’ll need for retirement. But a new study reveals that using any of these methods, even a bad one, is better than not doing an estimate at all.

That’s because those who make some attempt at planning end up accumulating about four times as much money than those who don’t plan at all.

They are also more confident and satisfied in retirement. In a word, those who plan have more successful retirements than those who don’t make some kind of plan.

Planning a successful retirement isn’t that difficult… if you have the right information. And that’s what I’ll provide you each month in Retirement Watch and in-between issues on the members’ website.

Every month, I’ll bring you my latest research and insights on a range of retirement issues. (I cover topics I haven’t even touched on in this report.)

What You Can Expect From Me:

I tell you how to position your portfolio to benefit from the latest investment research and market trends.

I explain in clear, simple terms the key facts you need to know about estate planning, so you can design an estate plan that meets all your goals.

I demonstrate how you can leave your grandchild a comfortable nest egg, while barely cutting into your own standard of living.

I show you how to slash your taxes to the bone, legally and without trouble from the IRS.

I steer you away from traps and pitfalls in investments, estate planning, insurance, and tax reduction.

I bring you clear explanations of changes in health care.

I show you how to protect your family’s wealth from the uncertain costs of long-term care, and how to find the best strategy for you.

I show you exactly where you can get the best prices on life insurance, Medicare supplement insurance, and long-term care insurance.

I explain how you can simplify your finances (don’t most advisors seem to complicate them, so you’ll need more of their advice?), so that you’ll cut costs, save time, and make your wealth grow faster.

Most other advisors cannot do the amount of research I do. They are meeting with clients, searching for new clients, and managing their offices — all while trying to work for their current clients.

“Bob Carlson taught me the breadth and depth of what I don’t know. That’s why I recently renewed my subscription.”

—Malcolm W. B., Grahamsville, New York

That’s what makes my monthly service so valuable, even if you already use one or more financial advisors. I bring you fresh ideas each month. When you believe one looks good for your situation, show it to your advisors and discuss how to use it.

In fact, I’m the advisor the advisors look to… because there is nothing close to what Retirement Watch delivers each month.

You simply won’t find another resource that does the kind of research I do, brings you the unique insights and strategies you’ll find in each monthly issue, and covers the range of retirement financial issues you’ll find in Retirement Watch.

Today, I want you to join our family of Retirement Watch members.

A 1-year membership normally costs $249.

As a special introductory offer, though, you can sign up at a 77% discount and get a full year — both in the mail and online — for just $57. That’s about 15 cents a day for the best, most up-to-date retirement advice available.

If you prefer the online-only option, you’ll pay just $49, and get everything offered here today.

Keep Your Nest-Egg Safe from the IRS Money Grab : Discover today’s most effective strategies and solutions for maximizing wealth, keeping more of it for yourself, and out of Uncle Sam’s greedy mitts.

Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid : Here’s the best way to take advantage of what could be your biggest financial asset: your home. Put its power to work for you today with the information in this report.

5 Easy Chair Portfolios to Fund Your Retirement Dreams : Learn how to set up your investment portfolio to earn safe, solid returns with a margin of safety. You’ll be able to sit back, relax, and watch profits roll in with these portfolios.

How to Insure Your Way to a Rock Solid Retirement : Protect your wealth and your family’s financial future from the staggering medical costs facing retirees with these cost-effective strategies.

Your 20 Minute Estate Plan: Building a Lasting Legacy : In this report, you’ll find estate planning recommendations based on research and real-world experience – including how to avoid common (and expensive) planning mistakes.

As I said, you’ll get this entire library absolutely free of charge, along with your complimentary hardcover copy of my book, The New Rules of Retirement, and my new research report, The Tax-Free Lifetime Income Stream that Pays up to 76% MORE than Social Security.

Now let me show you an even better deal.

A 2-year membership to Retirement Watch usually goes for $498.

Today, though, you can get a full 24 issues of my monthly advisory service for just $99. That’s 80% off what we normally charge.

Whether you join Retirement Watch for 1 or 2 years, you’ll learn how to estimate your retirement needs, plan your estate, cut taxes, find the right health care package, and so much more.

Look, I’ve been at this a long time, and I know I can greatly help you with your retirement planning and finances.

That’s why I’m happy to offer this 100% money-back guarantee to you for joining Retirement Watch.

100% Money-Back Guarantee

Sign up for either a 1-year or 2-year Retirement Watch membership, and you’ll get the first 30 days to decide if it’s for you.

If you’re dissatisfied for any reason during that time, let us know and we’ll immediately give back your subscription fee (minus $20 to cover the cost of the hardcover book).

Even if you do decide to cancel, you can keep all the issues and materials you received during your test-drive, including the book, and your 5-volume Worry-Free Retirement Library.

So make this your first money-saving, wealth-building step on the road to the retirement you’re striving for.

P.S. As soon as you sign up, I’ll show you how the math works in my Plan, including how you can get up to 76% more than Social Security’s payout. But do hurry – the faster you join, the more you’ll benefit.

And remember, the hardcover book and the Worry-Free Retirement Library are yours to keep — even if you decide Retirement Watch isn’t for you.

About Bob Carlson & Retirement Watch:

For the last 25 years, I’ve shown readers like you how to boost your retirement savings… how to safely invest for bigger profits… how to best spend your assets in retirement so you never outlive your money.

I’ve explained how to make sense of dizzying changes to laws and regulations affecting your retirement… how to protect your health and wealth with the best insurance options, annuity options, estate planning strategies… and much more.

As an attorney and accountant — as well as Chairman of the Board of one of the nation’s largest local government retirement plans — I have access to information and contacts most people lack.

So I’m able to share with you little-known tax-saving and investment strategies you likely won’t hear about anywhere else. That’s the kind of “inside” retirement advice you’ll find in Retirement Watch.

Because there are so many facets to retirement planning, I cover a broad range of topics in Retirement Watch: the investment markets and portfolio management, estate planning, helping the grandchildren, managing your IRA, reducing income taxes, long-term health care, annuities, Medicare and other medical expense plans, Social Security opportunities and changes, and more.

Retirement Watch was the first publication to cover all the financial aspects of retirement, and I believe it remains the only source of its type. The advice and recommendations are based on independent, objective research. I am not selling you anything other than my best recommendations for how to increase your financial independence.

My goal is to provide you with the best retirement strategies that have helped make my tens of thousands of satisfied subscribers happier and far more financially secure than they ever dreamed possible.